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Bank of Kimberling City

Kimberling City, MO · Cert 21120

FDIC

Q2 2004

$125.6MAssets
$101.6MLoans
$103.6MDeposits
$13.0MEquity
Deposit mix
89%Interest-bearing $92.6M11%Noninterest $11.0MQ2 2003Q2 2004

NIM

6.58%Q2 ’025.85%Q2 ’035.66%Q2 ’04-4%+6%

Non-interest income vs. expense

2.39%Q2 ’022.54%Q2 ’032.47%Q2 ’04+4%-11%

Executive Summary

  • Earnings: ROA of 2.66%, up 48 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 98.14% of deposits as of Q2 2004.

Financial Results

Return on Assets (quarter, annualized)

2.66%+48 bps YoY

Net Interest Margin (quarter, annualized)

4.31%+26 bps YoY

Efficiency Ratio (quarter, annualized)

46.79%-513 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets2.18%2.54%2.40%2.38%2.66%+48 bps
Return on Equity24.29%26.50%24.52%24.28%26.38%+208 bps
Net Interest Margin4.05%4.18%4.19%4.18%4.31%+26 bps
Efficiency Ratio51.92%49.73%52.34%51.04%46.79%-513 bps
Non-Interest Burden1.69%1.61%1.77%1.71%1.50%-19 bps
Growth
Asset Growth (YoY)1.43%2.13%-0.16%-2.32%-1.87%-330 bps
Loan Growth (YoY)-3.09%2.59%1.26%8.52%10.94%+1,404 bps
Deposit Growth (YoY)2.05%3.82%2.07%-1.63%-0.79%-284 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.03%0.05%0.03%0.00%0 bps
Allowance / Loans1.24%1.21%1.23%1.17%1.19%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.94%16.27%16.10%15.59%16.21%+27 bps
Equity / Assets9.38%9.80%9.76%9.84%10.34%+96 bps
Liquidity & Funding
Loans / Deposits87.76%90.09%90.78%95.19%98.14%+1,038 bps
Liquid Assets / Assets0.38%0.11%0.15%0.04%0.06%-32 bps
CRE / Total Capitaln/an/an/an/an/an/an/a